630 Elma Ave, Big Pine Key, FL 33043 Property Records

Monroe County property record for 630 Elma Ave, Big Pine Key, FL 33043

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 872 sqft · built 1963
Lot Size	0.098 acres (4,250 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,235 (2024)
Deeds & Mortgages	Jun 2018 Transfer
Flood Zone	Zone VE (high risk)
APN	`00246470-000200`

Property Details

APN / Parcel Number

Primary APN	`00246470-000200`
Alternative APN	`8926839`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	872 sqft Living Area
1st Floor Area	872 sqft
Flooring	Concrete/Cement
Interior Walls	Wood

Exterior

Year Built	Built 1963
Effective Year Built	Effective 2008
Exterior Material	Concrete Block
Construction Type	Concrete Block
Roof Type	Gable
Roof Material	Metal
Lot Area	4,250 sqft (0.098 acres)
View / Lot	Canal
Porch	Unfinished Open Porch
Porch Area	99 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Account Number	8926839
Street Address	630 ELMA AVE
City	BIG PINE KEY
State	FL
Zip	33043-3328
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	IS-M
Legal Description	BK B WEST 50FT OF EAST 250FT OF LOT 6 AND WEST 50FT OF EAST 250FT OF S1/2 LOT 7 PINEY POINT SUB PB3-88 BIG PINE KEY OR63-320/21 OR87-284 OR1523-1367/AFF OR1523-1372/73 OR1607-1778/79 OR2000-1247/48R/S OR2785-158/59C OR2910-934/35
Legal Range	29E
Legal Township	66S
Legal Section	34
Legal Subdivision	PINEY POINT SUBD
Legal Block	B
Legal Lot Number	6,7
Jurisdiction	MONROE FL
Township / Civil Division	LOWER KEYS
Census Block Group	2
Census Block	2050
Census Tract	971401

Owner

630 Elma Ave is owned and occupied by two individuals who acquired it in June 2018.

Source: Monroe County records, as of March 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	630 ELMA AVE, BIG PINE KEY, FL 33043-3328
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 2018
Deed Sale	Jun 6, 2018
Prior Sale	Feb 24, 2016 · Amount on File
Deed Document Number	20182172322
Deed Book / Page	2910 / 934
Record Updated	Oct 29, 2026

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE FL
Recording Date	Jun 6, 2018
Property Address	630 ELMA AVE, BIG PINE KEY, FL 33043-3328
Document Number	0029100934
Book / Page	002910 / 000934
Instrument Date	May 11, 2018
Instrument	2172322
Transaction Type	Transfer
Record Updated	Jul 16, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	630 ELMA AVE BIG PINE KEY FL 330433328, BIG PINE KEY, FL 33043-3328

Tax Assessment & Valuation

Source: Monroe County assessment roll, as of December 8, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Monroe County
Unified School District	Monroe County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$342,963	$367,320 Land $208,256 Building $159,064
2024	$3,235.00 (+7.55%)
2023	$3,008.00 (+7.89%) Homeowner's exemption	$332,113 (+12.7%)	$357,934 (+15.31%) Land $206,801 Building $151,133
2022	$2,788.00 Homeowner's exemption	$294,693	$310,400 Land $158,765 Building $151,635

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 630 Elma Ave in Zone VE, a high-risk coastal flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone VE high risk · coastal, wave action
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	10.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 690 policies
Community Rating System	Class 3 (35% premium discount)
Nearby Flood Policies	690 in force
Nearby Flood Claims	982 (1980–2022)
Claims Outside the SFHA	2 of 982
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 418 claims Hurricane Wilma, Oct 2005 · 219 claims Hurricane Georges, Sep 1998 · 315 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 630 Elma Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20